Are you tired of paying out the nose each month for car insurance? You are in the same boat as many other Florida consumers. You have multiple insurance companies to choose from, and although it’s nice to have a selection, having more insurance companies makes it harder to compare company pricing.
You need to check auto insurance prices before your policy renews because prices are rarely the same from one policy term to another. Even if you think you had the lowest price a couple years back other companies may now be cheaper. Starting right now, block out anything you think you know about auto insurance because it’s time to teach you one of the easiest ways to properly buy coverages and cut your premium.
Most major insurance companies like Progressive, GEICO, Allstate and State Farm allow you to get coverage prices on the web. The process is quite simple as you just type in your required coverages into a form. Upon sending the form, the system obtains reports for credit and driving violations and generates a price determined by many factors. Online quotes streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step in order to get a better rate.
The easy way to compare rates
The preferred way to get multiple rate quotes uses one simple form that gets prices from multiple companies. This type of form saves time, requires much less work on your part, and makes online shopping much easier to do. As soon as you send your information, it is quoted and you can choose any one of the resulting price quotes.
If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.
If you want to find out how much you’re overpaying now, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended that you enter coverages and limits just like they are on your policy. This ensures you will be getting rate comparison quotes using the same coverage and limits.
Car insurance is not cheap, but you can get discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some must be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will cut your premiums.
For a list of companies who offer auto insurance discounts in Miramar, follow this link.
Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that can help you get much lower annual insurance costs.
We’ve covered a lot of information how to save on auto insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.
Discount auto insurance can be found online and with local Miramar insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
Additional auto insurance information is located on the website for the Florida Office of Insurance Regulation found here. Florida consumers can get help finding coverage, read consumer alerts, find a variety of consumer forms, and discover disciplinary actions.